Payment always changing. QL blamed it on escrow. So, we asked for a non escrow account. It has been a nightmare since then. Insurance company had to contact QL 3 times to have them acknowledge we had ins. Then QL paid ins to company we did not have and paid ins company that was already paid. We are retired on fixed income. We paid our principal thinking we had a non escrow account, and we reported to credit bureau for late payment. We could not pay the escrow deficit until re were refunded monies from 2 different insurance User's recommendation: Do not do business with Quicken Loan.